IiNkampani zeeNqwelo zeeNqwelo zeMoto

Fumana nge-Non-Renewed Over Filing Too Many Claims

Ukungena engozini yemoto kunokuba ngumlindi we-nerve, ukuthetha okungenani. Nangona kunjalo, ukungena kwingozi yesibini okanye yesithathu ngaphakathi kwexesha elincinci kunokuncedisa loo maqondo oxinzelelo ngokukhawuleza kunokuba ... kakuhle, makhe sithethe nje ngokwenene, ngokukhawuleza. Esinye sezizathu kukuba abantu baqala ukuxhalabisa malunga nokuba amanqaku amaninzi aya kuthintela njani i-inshurensi yemoto. Batshitshisa ukuba iirhafu zabo ziya kuphazamiseka okanye ukuba ipolisi yabo inokucinywa.

Oko kusilethela kulo mbuzo: Mangaphi amabango ndingayifaka kunye nenkampani yam inshorensi ngaphambi kokuba ikhansele ipolisi yam?

Ukukhanselwa nokungahlaziywa.

Iindaba ezilungileyo kukuba akunakwenzeka ukuba inkampani yakho yomshuwalense iya kucima umgaqo-nkqubo wakho ngenxa yamabango amaninzi . Iindaba ezimbi kukuba amabango amaninzi angabangela umshwalense wakho ukuba aphakamise amaxabiso akho okanye anqume ukuhlaziya umgaqo-nkqubo wakho ekupheleni kwexesha lakho langoku nkqubo. Ngoko, umyalelo wokuqala wezoshishino kufuneka ucaciswe kummahluko phakathi kokukhanselwa kunye nokungahlaziywa.

• Ku rhoxiswa.

Ukukhanselwa kubhekisela ekuphelisweni kwe-inshurensi yakho ngaphambi kokuphela kwexesha lomgaqo-nkqubo. Ukuba inkampani yakho ye-inshorensi iya kuhoxisa umgaqo-nkqubo wakho, kuya kwenzeka njalo kwiintsuku ezingama-60 zomgaqo-nkqubo ngenxa yendlela ethile yokuchaswa kakubi okanye ulwazi olubuxoki olunikezwa sakho kwisicelo sakho. Izizathu ezininzi zokuba u-inshurensi ukurhoxisa umgaqo-nkqubo emva kweentsuku ezingama-60 zihambelana nemimiselo yomgaqo-nkqubo okanye ukungahlawulwa kwe-premium yakho.

Ukufakela amabango amaninzi, nangona kunjalo, akuyi kubangela ukukhanselwa komgaqo-nkqubo wakho, nje kuphela ukuba amabango awayikho buqhetseba.

• Ukungabuyiselwa .

Njengoko unokulindela, ukungabikho ukuhlaziywa kubhekisela ekuhlahleni ngumgcini wakho womshuwalense ekupheleni kwexesha lakho langoku nkqubo. Kukho izizathu ezininzi zokubangela ukuba ungasuswa.

Enyanisweni, kwiimeko ezininzi, unganakunikwa isizathu nangaphandle kwexesha, ubuhlanga, ubulili, umbala, isimo somtshato, umsebenzi, okanye ukukhubazeka ngokomzimba. Kodwa ke, khumbula ukuba iinkampani ze-inshorensi zoshishino lokusayina nokugcina abaxhasi kwaye ziza kukuchitha kuphela xa zichonga ukuba ungumqhubi ophezulu .

Izizathu zokungabikho ukuvuselelwa.

Izizathu eziqhelekileyo ze-inshurensi yokulahla ziquka:

• Imbizo yokuDala.

Iinkampani ze-inshurensi zithobela ingxelo yakho yokuqhuba. Ukuba uqokelela inombolo ephezulu yokuphulwa kwezithuthi ngexesha elifutshane, umgcini wakho womshuwalense unokugqiba ukuba unobungozi obukhulu kwaye uyakunciphisa njengomxhasi.

• I-DUI okanye i-DWI.

Abaqhubi abane-DUI okanye i-DWI isigwebo bahlale bebhekwa njengengozi enkulu. Esi sizathu esikhulu sokungahlaziywa.

• Iintlawulo zeNyanga zeNkulumbuso.

• Amabango ahlazo.

Ezi zigaba zibini zokugqibela zaxoxwa ngasentla. Ukuba zikulungele ukukhansela umgaqo-nkqubo wakho, zilungile ngokwaneleyo zokungabikho ukuhlaziywa.

• Iingozi ezininzi ze-At-Fault.

Ukuba uye wabandakanyeka kwiingozi ezingaphezu kwembini phakathi kwexesha leminyaka emithathu onoxanduva, unokuthi udibanwe.

• Amabango amaninzi.

Nguyena enomdla kakhulu apha. Umtshini wakho womshuwalense unokucinga ukuba ukukulahla ngenxa yokuba ufaka amaninzi amaninzi kungakhathaliseki ubunzima okanye iphoso.

Inyaniso elula kukuba abo bango-bhankaso beshishini ukwenza imali kwaye ukuba kufuneka bahlawule ngakumbi kunokuba bangenisa kwii-premiums zakho, mhlawumbi baya kukulahla kwiincwadi zabo. Ngoko, mangaphi amabango amaninzi?

Inombolo Yobugqi.

Ndiyathemba ukuba ukhohliwe ukuba ngenxa yempendulo: kuxhomekeke. Kwiinkampani zomshuwalense, kwiintlobo zeengozi, kwimeko apho uhlala khona. Xa inkampani yomshuwalense yenza isigqibo sokuvuselela okanye ukuyivuselela umgaqo-nkqubo, baya kuqwalasela imiba emininzi, enye yeyona nto inamabango ayenziwe ngumthengi. Abaninzi benkampani ye-inshorensi ekhethiweyo abayiyivuselela umgaqo-nkqubo we-inshurensi yemoto ukuba amabango amabini enkcazo afakwe kwisithuba seminyaka emithathu. Eyona nto impendulo engcono kakhulu endinokukunika yona: amabango ambalwa owenzayo, ngcono; amabango amaninzi, awona mbi.

Izindlela Zokugwema Ukunyulwa.

Kukho izinto ezininzi ongayenza ukugcina "isimo sengqondo esincinci" kunye nokunciphisa amathuba okugqithiswa kwe-inshorensi okanye ukuhlaziywa:

• Shayela Ngokuphepha.

Oku ku cacile. Musa ukusela nokuqhuba. Landela imithetho yendlela. Ukuba uqhuba ngokukhuselekileyo, ungezantsi kakhulu ukuba ungene engozini okanye ufumane ithikithi.

• Hlawula ngexesha.

Musa ukufumana emva kweentlawulo zakho ze-premium.

• Musa ukuxoka.

Qinisekisa ukuba uhlala uyinyaniso xa usebenza kunye nenkampani yakho yomshuwalense kwaye, ngaphezu kwakho konke, ungafaki ibango lobuqhetseba.

• Musa ukwenza iBango.

Ukuba usengozini encinci okanye wenza enye imonakalo encinane kwisithuthi sakho, unokufuna ukucinga ngokuhlawula ukulungiswa kwe-pocket kunye nokushiya i-insurer yakho ngaphandle kwayo. Ndiyazi ukuba oku kunokuba kuphazamisekile. Ndiyathetha, akunjalo ukuba kutheni unesi-inshurensi? Kodwa umgca wukuthi ukuhlawulela ukulungiswa ngokwakho kunokukunceda ukuba ungabi phantsi okanye, ubuncinci, ukuba i-premium yakho inyuke.

Enye into yokugqibela. Khumbula ukuba imithetho ye-inshurensi yemoto iyahluka kakhulu ukusuka kummandla ukuya kwimeko. Ukuba ulahlekelwe ngumkhushurensi wakho, okanye ukwesaba ukuba uza kuba, qiniseka ukuba uhlolisise imimiselo malunga nokukhanselwa kunye nokungahlaziywa kwimeko yakho.